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Westamerica Bancorporation (WABC) investor relations material
Westamerica Bancorporation Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $29.1 million ($1.12 EPS), down 18% year-over-year and 6% sequentially; six-month net income was $60.1 million ($2.29 EPS), down from $71.9 million year-over-year.
Lower net interest and loan fee income, driven by reduced average balances and yields, contributed to the earnings decline.
Operating efficiency remained strong, with 39% of revenue spent on operating costs in Q2 2025; efficiency ratio rose to 39.3%.
No provision for credit losses was recognized in Q2 2025; nonperforming assets totaled $5.0 million at quarter-end.
The company repurchased 1.1 million shares for $57 million and paid $24 million in dividends in the first half of 2025.
Financial highlights
Net interest and loan fee income (FTE) for Q2 2025 was $54.6 million, down 14.9% year-over-year; six-month total was $111.0 million, down from $130.2 million.
Noninterest income for Q2 2025 was $10.3 million, down 1.8% year-over-year; six-month total was $20.6 million, up marginally year-over-year.
Noninterest expense for Q2 2025 was $25.5 million, down 2.3% year-over-year; six-month total was $50.7 million.
Return on assets for Q2 2025 was 1.93% (vs. 2.18% prior year); return on equity was 11.24%.
Book value per share at June 30, 2025 was $36.03, up from $30.57 a year earlier.
Outlook and guidance
Management continues to monitor inflation, monetary policy, and industry volatility, noting potential risks from liquidity, deposit outflows, and unrealized losses.
The company expects to maintain regulatory capital levels well above minimums and continue quarterly dividends.
Management highlighted continued focus on low-cost operations and strong capital ratios exceeding regulatory guidelines.
Forward-looking statements caution about risks and uncertainties, including credit, interest rate, operational, and market risks.
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